8.078
Revenue€M
12.34
12.95
13.82
14.59
15.57
16.17
16.65
17.31
18.09
18.59
8.478
3.60%
4.74%
44
4.32
Revenue growth%
8.44
6.92
7.78
8.88
9.58
7.54
6.72
7.12
9.46
9.95
2.55
7.54
8.11
47
18.99
NIM%
11.34
9.42
12.32
13.63
16.39
15.17
14.12
15.20
14.09
12.28
9.09
14.12
13.86
31
10.97
Effic. R.%
28.35
28.29
29.03
28.89
29.03
28.99
26.55
24.76
27.42
29.51
3.43
27.42
28.62
91
4.52
Net margin%
6.40
9.12
11.21
12.98
11.22
9.65
9.21
11.45
12.18
10.60
29.13
10.60
10.90
35
24.92
P/E ratio (avg)x
61.14
59.85
61.02
66.72
73.64
80.55
90.14
97.46
110.1
117.2
13.02
97.46
77.10
90
17.79
P/TBVx
19.44
21.95
21.84
22.52
23.47
26.94
24.90
26.55
26.38
27.88
33.44
26.55
24.19
82
28.19
P/Bx
12.91
13.50
12.91
14.66
15.91
15.14
15.29
14.06
15.90
17.15
23.41
15.29
14.90
51
6.288
NII€M
7.876
8.276
9.027
9.489
9.964
10.30
10.76
11.11
11.66
12.02
14.76
3.83%
4.71%
—
9.87
NII grth%
0.92
3.78
3.52
4.89
7.30
5.41
5.86
3.57
2.45
0.49
14.64
3.57
3.67
81
20.75
ROTE%
13.24
13.86
11.44
14.07
11.76
11.95
11.90
9.04
9.75
11.61
19.03
11.61
11.83
76
26.88
Return on equity%
10.91
12.08
14.21
14.62
14.04
12.66
14.60
17.30
17.76
19.21
15.55
17.30
14.41
53
22.01
Return on assets%
13.81
12.85
14.37
15.24
13.18
12.55
11.65
11.57
13.49
11.99
23.94
11.99
13.01
35
0.63
EPS€
1.19
1.31
1.48
1.66
1.81
2.12
2.45
2.92
3.35
3.45
0.69
13.73%
11.90%
—
12.20
EPS growth%
14.48
15.23
16.34
18.91
19.36
20.46
19.05
18.56
19.01
17.82
22.15
19.01
18.73
24
0.53
Bookvalue per sh€
1.36
1.34
1.39
1.36
1.29
1.50
1.49
1.54
1.65
1.74
0.95
6.17%
2.82%
—
1.03
TBV/sh€
1.01
1.01
0.90
0.97
0.86
0.88
0.83
0.80
0.85
0.80
0.36
(1.58%)
(3.00%)
—
1.55
Dividend per sh€
2.06
2.19
2.25
2.09
2.21
2.51
2.31
2.44
2.54
2.37
0.60
1.43%
2.66%
—
7.29
Div yield (avg)%
22.96
21.81
24.28
23.78
21.06
21.53
21.75
20.63
21.43
18.87
5.00
21.43
21.64
95
21.62
Payout ratio%
27.83
24.93
23.89
24.51
21.75
22.32
24.31
21.48
20.35
20.18
9.10
21.48
23.10
71
4.982
Shares (diluted)M
5.742
6.651
6.958
8.104
9.646
11.38
13.19
15.81
16.60
19.42
5.128
15.03%
12.77%
24
14.36
Buyback yield%
25.89
25.62
23.72
26.45
27.97
25.65
27.09
26.01
26.60
24.00
14.38
26.01
25.95
47
85.74
Eq/Assets%
134.65
151.33
149.15
158.90
155.73
160.22
156.46
162.91
159.71
159.37
11.46
159.71
157.68
17
10.29
Assets€M
62.42
65.91
72.85
76.35
85.86
90.50
99.87
109.6
118.6
128.5
19.34
8.40%
8.35%
22
13.86
LT debt€M
14.81
15.10
15.75
16.27
18.17
19.43
17.74
16.00
14.82
16.36
13.25
(2.08%)
(0.05%)
68
Total assets
€128.5M
8.35%
1.40×
Revenue
€18.59M
4.74%
1.00×
Non-interest expense
€9.929M
4.88%
1.01×
Net interest income
64.68%
Non-interest income
35.32%